Funwell, Inc. (the “Company”) is committed to maintaining robust privacy protections for its users.  Our Privacy Policy (“Privacy Policy”) is designed to help you understand how we collect, use and safeguard the information you provide to us and to assist you in making informed decisions when using our Service.  

For purposes of this Agreement, “Site” refers to the Company’s website, which can be accessed at www.funwellmoney.com or through our mobile application.

“Service” refers to the Company’s services accessed via the Site, in which users have access to financial wellness tools, budgeting applications, educational content and resources, communications, customer support, and any related features or functionality provided by Funwell, Inc. through the Site or otherwise.

The terms “we,” “us,” and “our” refer to the Company.

“You” refers to you, as a user of our Site or our Service. 

By accessing our Site or our Service, you accept our Privacy Policy and Terms of Use, and you consent to our collection, storage, use and disclosure of your Personal Information as described in this Privacy Policy.

I.               INFORMATION WE COLLECT

We may collect the following categories of information:

• Personal Information You Provide: When you register for an account, complete onboarding, contact us, or use certain features, we may collect your name, email, phone number, payment information, financial account data, or other details you provide.

• Automatically Collected Information: We may collect usage data such as your IP address, browser type, device information, pages visited, time spent on the Website, and cookies.

• Financial Account Information: If you connect external accounts through integrations (e.g., Plaid), we collect transaction, balance, and related financial data for use within our budgeting and advisory tools.

• Communications: If you contact us, we may collect the content of your message and related details (e.g., support inquiries, chat logs, survey responses).

1.   Information collected via Technology

When you use the Website or Services, we automatically collect certain information through technology, including:

• Device and Browser Information: Details such as your IP address, browser type, operating system, device identifiers, and referring website.

• Usage Data: Information about how you interact with the Website or Services, such as the pages or features you access, time and date of use, clicks, and time spent.

• Cookies and Tracking Technologies: We use cookies, pixels, and similar tools to recognize your browser or device, remember your preferences, and understand how you use the Services.

• Log Data: Our servers automatically record information (“log data”) created by your use of the Services, which may include your IP address, browser type, the webpage you visited before coming to our Website, and search terms.

• Analytics: We may use third-party analytics providers (such as Google Analytics or similar tools) to collect and analyze this information to help us improve the Services.

• Financial Integrations: If you choose to connect your financial accounts through integrations (e.g., Plaid), we collect transaction, balance, and related financial data via secure APIs.

The Company may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser.

2.   Information you provide us by registering for an account

When you create an account or register to use our Services, you may provide us with certain personal information, including but not limited to:

• Contact Information: Your name, email address, phone number, and mailing address.

• Account Credentials: Username, password, and other authentication information.

• Financial Information: Bank account, credit card, or other financial account information, if you connect your accounts for budgeting, planning, or advisory purposes.

• Profile Information: Details about your financial goals, income, expenses, assets, or other data you choose to provide to personalize your experience with the Services.

• Communications: Any information you provide when contacting us via email, chat, support forms, or surveys.

We use this information to:

• Create and manage your account;

• Provide and personalize the Services;

• Process payments or transactions (if applicable);

• Respond to inquiries and provide customer support;

• Send you relevant updates, educational content, and communications about the Services.

• All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

3. Children’s Privacy

The Site and the Service are not directed to anyone under the age of 13. The Site does not knowingly collect or solicit information from anyone under the age of 13, or allow anyone under the age of 13 to sign up for the Service. In the event that we learn that we have gathered personal information from anyone under the age of 13 without the consent of a parent or guardian, we will delete that information as soon as possible. If you believe we have collected such information, please contact us at hello@funwellmoney.com. 

II.             HOW WE USE AND SHARE INFORMATION

Personal Information:

Except as otherwise stated in this Privacy Policy, we do not sell, trade, rent or otherwise share for marketing purposes your Personal Information with third parties without your consent. We do share Personal Information with vendors who are performing services for the Company, such as the servers for our email communications who are provided access to user’s email address for purposes of sending emails from us. Those vendors use your Personal Information only at our direction and in accordance with our Privacy Policy.

In general, the Personal Information you provide to us is used to help us communicate with you. For example, we use Personal Information to contact users in response to questions, solicit feedback from users, provide technical support, and inform users about promotional offers.

We may share Personal Information with outside parties if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to meet any applicable legal process or enforceable governmental request; to enforce applicable Terms of Service, including investigation of potential violations; address fraud, security or technical concerns; or to protect against harm to the rights, property, or safety of our users or the public as required or permitted by law. 

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Non-Personal Information

In general, we use Non-Personal Information to help us improve the Service and customize the user experience. We also aggregate Non-Personal Information in order to track trends and analyze use patterns on the Site. This Privacy Policy does not limit in any way our use or disclosure of Non-Personal Information and we reserve the right to use and disclose such Non-Personal Information to our partners, advertisers and other third parties at our discretion.

In the event we undergo a business transaction such as a merger, acquisition by another company, or sale of all or a portion of our assets, your Personal Information may be among the assets transferred. You acknowledge and consent that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of our assets may continue to process your Personal Information as set forth in this Privacy Policy. If our information practices change at any time in the future, we will post the policy changes to the Site so that you may opt out of the new information practices. We suggest that you check the Site periodically if you are concerned about how your information is used.

III.           HOW WE PROTECT INFORMATION

We implement security measures designed to protect your information from unauthorized access. Your account is protected by your account password and we urge you to take steps to keep your personal information safe by not disclosing your password and by logging out of your account after each use. We further protect your information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By using our Service, you acknowledge that you understand and agree to assume these risks.

IV.           YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL INFORMATION

You have the right at any time to prevent us from contacting you for marketing purposes.  When we send a promotional communication to a user, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail. You can also indicate that you do not wish to receive marketing communications from us in the [list location of opt-out page, i.e. “Settings” section] of the Site. Please note that notwithstanding the promotional preferences you indicate by either unsubscribing or opting out in the [location of opt-out page] of the Site, we may continue to send you administrative emails including, for example, periodic updates to our Privacy Policy.

V.             LINKS TO OTHER WEBSITES

As part of the Service, we may provide links to or compatibility with other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Site and the Service. Therefore, this Privacy Policy does not apply to your use of a third party website accessed by selecting a link on our Site or via our Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage our users to read the privacy statements of other websites before proceeding to use them.

VI.           CHANGES TO OUR PRIVACY POLICY

The Company reserves the right to change this policy and our Terms of Service at any time.  We will notify you of significant changes to our Privacy Policy by sending a notice to the primary email address specified in your account or by placing a prominent notice on our site. Significant changes will go into effect 30 days following such notification. Non-material changes or clarifications will take effect immediately. You should periodically check the Site and this privacy page for updates.

VII.         CONTACT US

If you have any questions regarding this Privacy Policy or the practices of this Site, please contact us by sending an email to hello@funwellmoney.com.